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Auto Financing in Calgary | Capital Chevrolet Buick GMC

Finance Department

Open Today! Sales: 9am-5pm
Call us at: (403) 256-4960

WHAT’S THE DIFFERENCE BETWEEN LEASING AND FINANCING A VEHICLE?

FINANCING

  • With financing, you can keep the vehicle longer or trade in whenever you like.
  • Longer loan terms to accommodate different budgets.
  • The vehicle can be personalized to your needs with accessories or other customizations.

Is it better to finance a vehicle?

  • You own the vehicle for the duration of the loan and after. Once your term is up, there is no buyout or fee.
  • Even with less-than-perfect credit, you can obtain financing with Capital Chevrolet.
  • There is no kilometre allowance. Use as many or as few kilometres as your heart desires!
  • You can finance new or pre-owned vehicles! You also have the option of purchasing an extended warranty to cover any unexpected service costs.

Any fine print I should know about?

  • The vehicle may depreciate and the owner assumes all risks.
  • Owner must pay for the entire loan, regardless of the value later on.
  • Vehicle value will be assessed based on its condition, mileage, and wear-and-tear.

LEASING

  • Don’t worry about previous owners, you’re the first!
  • Shorter terms mean you can trade up more often and always enjoy the newest model and latest technology available
  • With leasing, you’re within warranty (for most terms) and maintenance is simple

How is leasing different from financing?

  • Once your term is up, you can choose to continue financing the vehicle if you love it. Or drop off the keys and walk away (subject to wear-and-tear inspection).
  • Lower payments and interest rates. Generally, you can get more vehicle options with a smaller payment compared to financing.
  • You don’t “own” the vehicle during the lease.
  • Leasing only applies to new vehicles. Pre-owned vehicles do not qualify.

Any fine print I should know about?

  • Leases are subject to upfront costs, such as the first month’s payment, administration fees, and a down payment, if applicable.
  • Kilometre allowance is usually around 24,000 km, but can be adjusted based on your driving habits.
  • Once the term is over, there may be fees or a buyout, depending on your agreement and wear-and-tear on the vehicle

MY CREDIT ISN’T GREAT… CAN I STILL FINANCE A CAR?

Yes! We will do our absolute best to get you into a vehicle, regardless of your past credit history. Things happen and that doesn’t mean you shouldn’t drive a vehicle you deserve. The Capital Chevrolet Finance Team will work with the banks and our in-house finance team to get you into a reliable car, truck, or SUV. We will secure you a loan with affordable payments to help you build your credit back up. If you’ve suffered from bad credit because of bankruptcy or divorce, or if your credit is too new, we can help you drive away happy!

WHAT SHOULD I KNOW ABOUT BUYING FROM CAPITAL CHEV?

Capital Chevrolet is excited to be the next stop in your car-buying experience. We’re hoping you’ve already checked out our inventory and found something you like! (If you haven’t – we can find it. Just ask!) Buying a car is a pretty big life purchase, even if it doesn’t seem like it. You want to make sure it has everything you need for your lifestyle and family or personal needs. And that it fits into your budget! The Finance Managers at Capital Chevrolet are here to help. If you’re not sure what you can afford or what you qualify for, the best thing to do is give us a call or fill out our Finance Pre-Approval Form.

How can I pay for a vehicle?

Most of our customers opt to finance a vehicle; we provide options to obtain car loans through major national banks, credit unions, in-house financing, or leasing through General Motors. If you want to finance a vehicle, we will apply through the banks on your behalf in order to obtain the lowest interest rate possible. We do accept cash and credit card, or bank draft, if you prefer. The decision is up to you!

I am still paying for a vehicle I bought before, can you pay that off?

We can help with that! In order to make it work, we will add the remainder of your other car loan to the new loan. So your new loan will be the new vehicle loan plus the remainder of the old loan. That way, the lien is paid off and you’re only responsible for one car payment, instead of two.

Can I trade in my car?

YES! We are always looking for good trade-in vehicles. We will give you an honest and fair trade value to put towards your purchase. If you’re interested, you can get a rough value through our Trade Gauge tool.

Do I need to leave a deposit on a vehicle?

No, but we do recommend it if you’re in love with a vehicle and need time to make a final decision. Some vehicles are highly sought after and may be someone else’s dream car as well. A deposit guarantees you have first choice on that vehicle.

How will I know the vehicle’s history?

We won’t hide anything about the vehicle – transparency is one of our main goals. We have vehicle history and CarProof reports available to us for newer models, so you’ll know if the vehicle was traded, leased, rented, damaged (and reported), and even in-service dates if we have them. We can’t guarantee such detailed records on older models, however, as some owners may use private businesses or do work on their own. We do our best to provide you with all the information we have.

I’m ready to buy. What is my next step?

Excellent! We’re happy to help find the vehicle and payment plan that’s best for you. In order to begin, the best option is to complete our Pre-Approval form if you want to lease or finance. This will give us an indication of your price range and we can begin working for you with the banks. You get to enjoy the fun part: test drives! Our Product Specialists will help you find the vehicle you’re interested in and you can get a feel for the vehicle itself; how it drives, the seats, the technology, and more! (Tip: take it home and make sure it fits in the garage! If you have car seats or sports equipment, make sure it will work for your lifestyle.)

If you find the vehicle you love, our Finance Managers will discuss the loan options with you, including payment amount, frequency, and terms. They will also help you with extended warranty, roadside assistance, insurance, and more. If you have more questions, we are excited to help you get started. You can contact us 6 days a week with your questions.

Capital Chevrolet Buick GMC is located at: 13103 Lake Fraser Drive SE • Calgary, AB T2J 3H5
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(403)256-4960

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13103 Lake Fraser Drive SE • Calgary, AB T2J 3H5

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Today's Hours:

Open Today! Sales: 9am-5pm

Open Today! Service: 7:30am-4:30pm

Open Today! Parts: 7:30am-4:30pm

Capital Chevrolet Buick GMC

13103 Lake Fraser Drive SE Calgary, AB

Phone: (403)256-4960

http://maps.google.com/?q=13103%20Lake%20Fraser%20Drive%20SE%20%2C%20Calgary%2C%20AB%20T2J%203H5

Parts

Phone: 403 256-4969

13103 Lake Fraser Drive SE Calgary, AB

Sales

Phone: (403) 256-4960

13103 Lake Fraser Drive SE Calgary, AB

Service

Phone: 403-570-2028

13103 Lake Fraser Drive SE Calgary, AB

Collision Center

Phone: (403) 256-6891

13103 Lake Fraser Drive SE Calgary, AB
50.935676 -114.067161
Capital Chevrolet Buick GMC 50.935676, -114.067161.